
437 Pirates Rd, Torch Key FL 33042, TORCH KEY, FL, 33042
Active217 days on marketListed Jan 1, 2026MLS #A11998100
About this home
437 Pirates Rd, Torch Key FL 33042
Offered in the highly sought-after Jolly Roger Estates, this beautifully maintained, one-owner canal-front home is just 11 years old and truly move-in ready. Elevated and thoughtfully designed, the 1,296 sq. ft. residence offers three bedrooms and two bathrooms, enhanced by refined finishes including crown molding, tray ceilings, tile showers, and a bright, open-concept living space ideal for coastal living. Built for both comfort and peace of mind, the home features a metal roof installed in 2018 along with impact-rated windows and doors throughout. Enjoy added privacy and nightly sunset views over the protected salt marsh directly across the street—an unspoiled natural backdrop that will never be developed. Boaters will appreciate the free-flowing, clear-water canal with excellent access to both the ocean and the bay. The private dock with a 7,000-lb side-lift boat elevator makes heading out for fishing, diving, or sunset cruises effortless. The spacious lot offers a large driveway, double covered parking, and ample room for boat trailers and additional vehicles. Downstairs, a full concrete pad and enclosed angler's room provide the perfect space for storing fishing gear, dive equipment, and all your island toys. Located near mile marker 28.5, Jolly Roger Estates is a peaceful, palm-lined waterfront community on the Atlantic side of Little Torch Key, offering direct access to Pine Channel and world-class boating, fishing, and diving at nearby Looe Key Reef.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,296
Sqft
2
Garage
2015
Year built
$691
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$5,948 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$5,948/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Where it sits
Inside Little Torch Key
Get to know Torch Key. See the full Torch Key guide →
Little Torch Key — neighborhood snapshot
Population
970
Median age
52
Median income
$94,583
Median home value
$639,700
Avg household
2
Households w/ children
76%
For the school run
Monroe County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Torch Key market
This home is listed 15% above the TORCH KEY 33042 median. See the full Torch Key market guide →
Paper trail
This home's history
Reality check
What actually sold near 437 Pirates Rd
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$1,000,000
Nearby listing · same community
2 bd · 1 ba · 1,144 sqft · $874/sqft · 162 DOM
Sold · Sep ’25$675,000
Nearby listing
3 bd · 1 ba · 1,162 sqft · $581/sqft · 147 DOM
Sold · Aug ’25$705,000
Nearby listing
2 bd · 2 ba · 1,148 sqft · $614/sqft · 138 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 437 Pirates Rd — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 437 Pirates Rd — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
437 Pirates Rd FAQs
What would the monthly payment be for 437 Pirates Rd, Torch Key FL 33042?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,948/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 437 Pirates Rd, Torch Key FL 33042?+
The most recent tax bill on record (2025) was $7,478. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Torch Key?+
At $895,000, this home is priced right at the Torch Key median.
Which schools are assigned to 437 Pirates Rd, Torch Key FL 33042?+
Key West High School (high) — Monroe County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$895,000 runs 15% above the TORCH KEY 33042 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
217 days on market against a Torch Key median of 25 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $899,000, now $895,000 — a $4K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of Ocean Sotheby's International · Jo Ann Cook. MLS #A11998100.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Miami Association of REALTORS®.
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